stuart: it sounds like chaos to us. i mean, anybody looking from the outside or from-- this is chaos, isn't it? >> well, it certainly creates a lot of uncertainty and so uncertainty is typically bad when you're dealing with actuarial science. actuaries are taking the data and trying to see how it goes going forward. if you throw something like this into the mix it creates a difficult thing for actuaries, regulators how to manage it as well. you've got some regulators who have already taken the position of saying that this, the policies could be extended, renewed until, for another ten months or something like that into next year to give more lead time from people to kind the coverage. you've got some who were saying, no, we're going to stick with the plan as-is. so it's a real challenge for regulators to try to do what they think is best for their-- the residents in their state because the insurance and health insurance as well is regulated at a state level. just one more story i want to bring that your attention. i'm n